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Boat Loans and Boat Financing

  • Up to 100% Boat Loan financing and longer terms for larger purchases.
  • Dealer accessories can be included as long as loan doesn't exceed 100% of MSRP value.
Boat Loans and Boat Financing at Americas Credit Union Boat on the water
Freedom

We're here to help you get out on the water experiencing what you love! Get an update on the status of your application today.

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Boat Loan Rates
Length of Term, New and Used Annual Percentage Rate (APR)**
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Up to 24 months
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as low as 3.74%
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25 to 36 months
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as low as 4.24%
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37 to 60 months
TEXT
as low as 4.39%
TEXT
61 to 72 months
TEXT
as low as 4.99%
TEXT
73 to 84 months; min. $50k
TEXT
as low as 7.54%
TEXT
85 to 96 months; min. $50k
TEXT
as low as 8.54%
TEXT
97 to 120 months; min. $50k
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as low as 9.54%
Effective November 21, 2022
Length of Term, New and Used

Up to 24 months

Annual Percentage Rate (APR)**

as low as 3.74%

Length of Term, New and Used

25 to 36 months

Annual Percentage Rate (APR)**

as low as 4.24%

Length of Term, New and Used

37 to 60 months

Annual Percentage Rate (APR)**

as low as 4.39%

Length of Term, New and Used

61 to 72 months

Annual Percentage Rate (APR)**

as low as 4.99%

Length of Term, New and Used

73 to 84 months; min. $50k

Annual Percentage Rate (APR)**

as low as 7.54%

Length of Term, New and Used

85 to 96 months; min. $50k

Annual Percentage Rate (APR)**

as low as 8.54%

Length of Term, New and Used

97 to 120 months; min. $50k

Annual Percentage Rate (APR)**

as low as 9.54%

Effective November 21, 2022

Our Boat Loans make it easy to finance your boat with no money down.

Up to 100% boat financing with terms that make your monthly payment affordable.

At America's Credit Union we know that your boat is more than just a toy, it's an extension of your personality. That's why we make it easy to finance your boat with no money down and up to 100% financing with terms that make your monthly payment affordable.

If your boat or travel trailer is less than $50,000 we offer Boat Loans from 24 months to 96 months to make your payment affordable and easy to manage.

If your boat or travel trailer is more than $50,000 we offer special Boat Loan terms from 97 to 120 months for larger purchases.

If you're in the market for a boat, ACU will finance the trailer, motor, and any dealer accessories up to 100% of the MSRP value in the same loan! That's one easy payment for everything you need to get on the water.

If you've been looking for someone who understands how important quick weekend trips to the lake are with your family, talk to a Loan Officer about your plans and we'll work to find the right solution for you. 

View Rates
boat loans and boat financing at americas credit union is easy man standing on a sail boat
boat loans and boat financing at americas credit union is easy man standing on a sail boat

Boat Financing Calculator

Use the boat loan rates and terms above to estimate your potential monthly payment with our Payment Calculators

You may also consider alternative financing options for your boat, such as a Home Equity Loan. If you're not sure which loan option is best for you, contact a Loan Officer.

 

zero down boat loans allow you to enjoy the water ask america's credit union for help women on a boat a sunset
jet ski financing and boat loan financing are available at america's credit union image of jet ski in water

Boat Loan or Personal Watercraft Loan?

A Personal Watercraft, also known as a Jet Ski, WaveRunner, or water scooter is different from a boat. ACU offers Personal Watercraft Loans for these particular purchases.

If you're considering a Personal Watercraft, please see our Personal Watercraft page for current rates and details about financing.

**Annual Percentage Rates are effective as of 11/21/2022. Rates shown include discounts of up to 0.40% that are available. Said discounts require qualifying products and/or services. Rates are subject to change without notice. Rates, terms and conditions may vary based on an individual's creditworthiness and credit union underwriting guidelines.